Chime Plus is free status that unlocks exclusive benefits like higher savings APY, SpotMe®, MyPay®, priority support, and exclusive Chime Deals®, when you receive a single $200+ qualifying direct deposit or $400–$2,999.99 in cumulative qualifying deposits in the last 34 days.
Chime Plus status is the way to access exclusive benefits, with a Qualifying Direct Deposit (QDD) of single $200+ or Cumulative Qualifying Direct Deposits totaling $400–$2,999.99 in the last 34 days. There are no membership fees and no mandatory costs for Chime Plus status. For more information on Chime Plus eligibility, refer to How do I qualify for Chime Plus? in our Help Center.
Key benefits of Chime Plus
As a member with Chime Plus status, you get access to:
- Higher savings APY1 – Earn a better interest rate on your Savings Account.
- Fee-Free Overdraft with SpotMe® – Eligible members can enroll in SpotMe. For eligibility requirements, refer to Am I eligible for SpotMe®?.
- MyPay® – Eligible members can access up to $500 of your pay before payday. You must meet additional MyPay eligibility requirements to gain access to MyPay. For more information, refer to Am I eligible for MyPay®?.
- Priority support – Get expedited assistance from Chime Support.
- Chime Deals® – Access to Chime Deals exclusive to Chime Plus from top national retailers. Just explore deals near you in the app. For more information on Chime Deals, refer to What is Chime Deals? in our Help Center
1The disclosed Annual Percentage Yield (APY) is available only while you maintain Chime Plus status, otherwise the standard x.xx% APY for non-Chime Plus will apply. The APYs for the Chime Savings Account are effective as of 03/2025 and are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.
CHIME Plus is a Trademark of Chime Financial, Inc
MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC
(NMLS ID 2316451).